825 W 8th St, Flora, IL 62839 Property Records

Clay County property record for 825 W 8th St, Flora, IL 62839

Property Summary

Property Type	Single Family Home
Lot Size	0.239 acres (10,411 sqft)
Owner	2 Individual Names on File
Last Sale	$29,666 (Aug 2023)
Tax Bill	$1,090 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Aug 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-215-003`

Property Details

APN / Parcel Number

Primary APN	`10-26-215-003`

Exterior

Lot Area	10,411 sqft (0.239 acres)

Location & Zoning

Street Address	825 W 8TH ST
City	FLORA
State	IL
Zip	62839-1063
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BARNES SUB DIV ALL LOT 4 & E 20' LOT 5
Legal Subdivision	BARNES SUB
Legal Lot Number	4-5
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1026
Census Tract	972100

Owner

825 W 8th St is owned and occupied by two individuals who bought it in August 2023.

Source: Clay County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	825 W 8TH ST, FLORA, IL 62839-1063
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2023	Deed of Trust, Mortgage · Line of Credit FLORA BANK & TRUST
Aug 30, 2023	Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 24, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2023 · Amount on File
Deed Sale	Aug 30, 2023 · Amount on File
Prior Sale	Jan 24, 2017
Deed Document Number	2023207900
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	825 W 8TH ST, FLORA, IL 62839-1063
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000207758
Date	Aug 7, 2023
Instrument	207758

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Aug 4, 2024

Interest

Rate Type	Fixed Rate
Rate	7.5%

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Aug 30, 2023
Property Address	825 W 8TH ST, FLORA, IL 62839-1063
Document Number	0000207900
Instrument Date	Aug 28, 2023
Instrument	207900
Transaction Type	Transfer
Record Updated	Sep 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$133.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	315 E LINDELL ST, WEST FRANKFORT, IL 62896-2117

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	825 W 8TH ST, FLORA, IL 62839-1063

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Jan 24, 2017
Property Address	825 W 8TH ST, FLORA, IL 62839-1063
Document Number	D190820
Instrument Date	Jan 24, 2017
Instrument	D190820
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	825 W 8TH ST, FLORA, IL 62839-1063
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 825 W 8th St was $1,090 with a homeowner's exemption, up 10.2% from the year before.

Source: Clay County assessment roll, as of October 15, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Clay County
County Subdivision	Harter Township
Municipality	Flora City
Unified School District	Flora Community Unit School District 35 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,090.00 (+10.21%) Homeowner's exemption	$20,239 (+11.45%) Land $3,300 Building $16,939	$60,717 (+11.45%) Land $9,900 Building $50,817
2024	$989.00	$18,160 Land $2,961 Building $15,199	$54,480 Land $8,883 Building $45,597
2022	$360.00 (+7.46%) Homeowner's exemption Senior Citizen's exemption	$15,315 Land $2,480 Building $12,835	$45,945 Land $7,440 Building $38,505
2021	$335.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 825 W 8th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2020 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 825 W 8th St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FLORA serves 5,233 people · EPA ID IL0250100
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 350 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Wabash Communications Fiber	1,000 / 1,000
Nextlink Fixed Wireless	500 / 500
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: ClearWave.

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